Lender in Virginia · HMDA 2025
Jams-01, Inc. mortgages in Virginia
Jams-01, Inc.'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Jams-01, Inc. originated 300 owner-occupied single-family loans in Virginia from 302 completed applications.
Its median conventional purchase loan costs were $5,990 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
300
of 302 applications
Denial rate
0.7%
Purchase · VA 6.9%
Rate spread
+0.08 pts
Conv. · VA +0.10 pts
Loan amount
$505,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 288 | 286 | 0.7% | 6.625% | +0.08 pts | $5,990 | $505,000 |
| Refinance | 9 | 9 | — | — | — | — | — |
| Cash-out refinance | 5 | 5 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Jams-01, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Manassas city | 15 | 8 | 1.7% |
| Clarke County | 20 | 3 | 1.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology